Land Loan

Purchase the land now, build your dream home later.

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Land Loan Features

Check out the perks of getting a Land Loan from GCEFCU below.

Quick Pre-Approval

Get your loan pre-approved in just a few days.

Online Application Portal

Review the status of your application, upload documents, and chat with your loan officer all in one place.

Low Rates

Get a land loan for a great low loan rate.

Low Fees

Low, flat origination cost.

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Land Loan Qualifications

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Credit Score

All applicants must have a credit score of 620 or higher.

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Loan Limit

Land Loans available from $15,000 – $200,000.

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DTI Limit

43% debt-to-income (DTI) limit.

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Down Payment & Closing Costs

Must have a down payment of at least 20%.

More Loan Resources

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Required Documents

Before you start your loan pre-qualification process, you’ll need a few documents to get started.

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Calculate how much you need to borrow and what your monthly payment will be.

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Check out our list of most frequently asked questions.

Contact Us

Our team is here to help answer any questions you may have.

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  • 1Confidentiality Disclosure – Please do not send confidential information, such as member number, social security number, etc. in an e-mail message.
  • 2Land Loan Disclosure - APR = Annual Percentage Rate. Actual rates may vary based on credit qualifications. A land loan of $50,000 for 5 years at 7.99% APR will have a monthly payment of $1,014.00. All rates are subject to change at any time.